Active BE 0781.413.192Private limited company

ISO STONE INTERNATIONAL

Neerstalse Steenweg 387 ·1190 Vorst, Belgium· 4 yrs active

Sector: Plaatsen van vloer- en wandtegels (43331)

Conclusion Checked

The computed 12-month bankruptcy probability of ISO STONE INTERNATIONAL is 4.8% (elevated). The 2024 annual accounts show equity of €33k and a net result of €7k. Equity is growing by ~34.6% per year across the filed fiscal years. Its solvency ranks better than 41% of 11121 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 3 annual accounts.

Key figures

Equity	€33k
Net result	€7k
Better than sector	41%
Active	4 yrs

Financial profile 5 of 5 axes measured · computed by Checked

75 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 78

Profitability 70

Solvency 64

Growth 68

Stability 94

Bankruptcy probability (12 mo) Checked model v1 · free

4.8% Elevated

0%0,5%1,5%4%10%≥25%

Young company +Higher-failure-rate sector +Higher-failure-rate region +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

More than 3 years active

Founded in 2022, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Health barometer FY 2024 · computed

78 / 100 Excellent

050100

Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Financial overview3 NBB filings

Annual accounts filed on 17-09-2025 with the NBB · fiscal year 2024 · micro

RevenueOperating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~34.6%/year over 3 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2024 · NACE 43, Specialised construction · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	33.6%	40.9%	better than 41% of 11121 sector peers
Net result	€7k	€11k	better than 42% of 11104 sector peers
Equity	€33k	€34k	better than 49% of 11125 sector peers
Gross operating margin	€10k	€35k	better than 22% of 11093 sector peers
Total assets	€98k	€94k	better than 52% of 11121 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Revenue

€274k

+89.4% 22-24

Net profit

€7k

-26.2% 22-24

Total assets

€98k

-1.5% 22-24

Equity

€33k

+29.3% 22-24

Working capital

€33k

+29.3% 22-24

Income taxes

€3k

+3.3% 22-24

Debt

€65k

-12.1% 22-24

Debt ≤ 1y

€65k

-12.1% 22-24

Show 7 other metrics

Current ratio

1.51

+12.0% 22-24

Quick ratio

1.06

+80.0% 22-24

Solvency

33.6%

+31.3% 22-24

Debt / equity

1.98

-32.0% 22-24

ROE

22.7%

-42.9% 22-24

ROA

7.6%

-25.1% 22-24

Net margin

2.7%

-61.9% 22-24

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	micro
Revenue	€274k
EBITDA	-
Net profit	€7k
Cash flow	-
Staff costs	-
Income taxes	€3k
Dividends	-
Total assets	€98k
Equity	€33k
Debt	€65k
of which ≤ 1y	€65k
of which > 1y	-
Working capital	€33k
Employees (FTE)	-

Ratios (computed)

	2024
Current ratio	1.51
Quick ratio	1.06
Working capital ratio	33.6%
Solvency	33.6%
Debt / equity	1.98
Long-term debt ratio	-
Interest coverage	-
Gross margin	3.7%
Net margin	2.7%
ROA	7.6%
ROE	22.7%
EBITDA margin	-
Days sales outstanding	70d
Days payable outstanding	49d
Inventory turnover	9.09
Days inventory (DSI)	40d

Balance-sheet composition 2024

Equity & liabilities

Equity €33k · 33.6% Debt €65k · 66.4%

Full annual accounts (21 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€98k
Current assets	29/58	€98k
Stocks & contracts in progress	3	€29k
Amounts receivable within one year	40/41	€57k
Cash & bank	54/58	€9k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€98k
Equity	10/15	€33k
Contributions / capital	10/11	€5k
Accumulated profits (losses)	14	€28k
Amounts payable	17/49	€65k
Amounts payable within one year	42/48	€65k
Trade debts payable within one year	44	€36k
Income statement
Turnover	70	€274k
Gross operating margin	9900	€10k
Operating result	9901	€10k
Financial income	75	€818
Financial charges	65	€281
Result before taxes	9903	€11k
Income taxes	67/77	€3k
Net result for the period	9904	€7k
Result to be appropriated	9905	€7k

This table shows the latest fiscal year. 2 prior years, with figures and ratios, belong to a paid plan. See plans →

Ratios computed by Checked.

Directors & mandates 3 directors

Current directors & mandates

Alhussien Abd
Managing director
State Gazette act 24166969 (25-11-2024)

Current
25-11-2024 → present
Safar Alaa Aldin
Managing director
State Gazette act 24166969 (25-11-2024)

Current
25-11-2024 → present

Former directors (1)

Hussen Jouma
Managing director
State Gazette act 24166969 (25-11-2024)

Former
- → 25-11-2024

Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.

Legal Structure

NACE primary	Plaatsen van vloer- en wandtegels(43331)
Legal form	Private limited company(610)
Incorporation	01-02-2022
Status	Active
Postal code	1190

Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Brussels 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21384D0090/00T000	Brussels	93 m²	1 · 92 m²	15.9 m · 5 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Updates 4 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025

17-09-2025

NBB filing Annual accounts filed

fiscal year 2024 · micro

2024

25-11-2024

State Gazette act Capital & shares

07-10-2024

NBB filing Annual accounts filed

fiscal year 2023 · micro

2023

07-10-2023

NBB filing Annual accounts filed

fiscal year 2022 · micro

Belgian State Gazette reading coverage 0 of 3 acts read

We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 1 acts

Capital history · 1

25-11-2024

Capital change

All acts · 1 updated 1 year ago

2024

25-11-2024 Transaction in capital or shares Capital & shares

Original publication ↗

Technical details

{
  "events": [
    {
      "kind": "share_transfer",
      "after_eur": null,
      "delta_eur": null,
      "before_eur": null,
      "subscribers": [
        {
          "kbo": null,
          "rrn": null,
          "kind": "person",
          "name": "M. Hussen Jouma",
          "share_class": null,
          "liberation_pct": null,
          "contribution_kind": null,
          "n_shares_subscribed": 80,
          "contribution_amount_eur": null
        },
        {
          "kbo": null,
          "rrn": null,
          "kind": "person",
          "name": "M. Safar Alaa",
          "share_class": null,
          "liberation_pct": null,
          "contribution_kind": null,
          "n_shares_subscribed": 10,
          "contribution_amount_eur": null
        }
      ],
      "decrease_purpose": null,
      "contribution_type": null,
      "paid_up_delta_eur": null,
      "n_shares_destroyed": null,
      "not_yet_called_eur": null,
      "merger_new_shares_n": null,
      "merger_exchange_ratio": null,
      "distribution_amount_eur": null,
      "statutory_unavailable_equity_op": null
    },
    {
      "kind": "share_transfer",
      "after_eur": null,
      "delta_eur": null,
      "before_eur": null,
      "subscribers": [
        {
          "kbo": null,
          "rrn": null,
          "kind": "person",
          "name": "M. Hussen Jouma",
          "share_class": null,
          "liberation_pct": null,
          "contribution_kind": null,
          "n_shares_subscribed": 10,
          "contribution_amount_eur": null
        }
      ],
      "decrease_purpose": null,
      "contribution_type": null,
      "paid_up_delta_eur": null,
      "n_shares_destroyed": null,
      "not_yet_called_eur": null,
      "merger_new_shares_n": null,
      "merger_exchange_ratio": null,
      "distribution_amount_eur": null,
      "statutory_unavailable_equity_op": null
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": "Bruxel",
    "is_associated": false
  },
  "act_meta": {
    "language": "fr",
    "pub_date": null,
    "filing_date": "2024-11-15",
    "act_kind_objet": "Objet de l\u0027acte:"
  },
  "decision": {
    "body": "algemene_vergadering",
    "act_date": "2024-10-23",
    "unanimous": null,
    "under_authorized_capital": false,
    "underlying_resolution_date": "2024-10-23"
  },
  "bedrijfsrevisor": null,
  "subject_company": {
    "kbo": "0781.413.192",
    "name_full": "ISO STONE INTERNATIONAL",
    "legal_form": "Soci\u00E9t\u00E9 \u00E0 responsabilit\u00E9 limit\u00E9e",
    "_kbo_filled_from_list": true,
    "is_foreign_registered": false
  },
  "publication_proxy": {
    "kind": "none",
    "org_kbo": null,
    "org_name": null,
    "person_name": null,
    "org_rep_person_name": null,
    "person_role_at_subject": null
  },
  "co_filed_documents": [],
  "shareholders_after": [
    {
      "kbo": null,
      "pct": null,
      "kind": "person",
      "name": "M.Hussen Jouma",
      "role": "simple_associ\u00E9",
      "n_shares": 10,
      "share_class": null
    },
    {
      "kbo": null,
      "pct": null,
      "kind": "person",
      "name": "M. Alhussien Abd",
      "role": "aandeelhouder",
      "n_shares": 80,
      "share_class": null
    },
    {
      "kbo": null,
      "pct": null,
      "kind": "person",
      "name": "M. Safar Alaa Aldin",
      "role": "simple_associ\u00E9",
      "n_shares": 10,
      "share_class": null
    }
  ],
  "share_classes_after": []
}

Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Plaatsen van vloer- en wandtegels43331

Primary activity highlighted.

Names & trade names

Legal nameFR

ISO STONE INTERNATIONAL

Registered office

Neerstalse Steenweg 387

1190 Vorst, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.

Similar companies Comparable size · 493 of 3,954 companies in this sector with filed accounts

Sintec BE 0427.169.489 · Beringen

MS MADAN BE 0701.878.934 · Leopoldsburg

Vloer- en tegelwerken Grieten Christof BE 0795.348.728 · Bocholt

KETY BE 0774.962.593 · Schelle

Jove BE 0760.521.075 · Lille